Debra Taylor Lewis | Large Headshot | Balch & Bingham

Debra Taylor Lewis

  • (205) 226-8706
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  • Cumberland School of Law
    J.D., 1983
  • The University of Alabama
    B.S., Commerce and Business Administration, 1980
Bar Admissions
  • Alabama, 1983
  • Texas, 2008
  • Tennessee, 2009
About Debra
Debra is an outstanding attorney and exemplifies the skillset and characteristics of a top professional. She addresses issues in an efficient manner and works effectively toward resolutions.
  • What types of clients/industries do you often work with?

    I work with all types of financial institutions — from $50 million asset sized community banks, to $500 billion banks — as well as other companies that offer financial services, such as insurance companies and credit unions. I also do real estate and transactional work for all types of corporate entities as well as municipalities.

    I represent indenture trustees, underwriters, and credit enhancers in both taxable and tax-exempt bond transactions and to maximize recoveries in workouts of these type of transactions through my practical knowledge of the bond markets and the structure and documentation of bond transactions.

  • How are you involved in your community?
  • What do you see on the horizon of your area of practice?
  • What do you find most exciting about your work?

Select Matters

  • Vendor Management and Compliance: Worked with various community and regional banks in developing their vendor management and compliance programs, including developing vendor risk assessment programs, drafting form Master Services and SOWS and served as counsel to various banks in their regulatory review of vendor management programs.
  • Bond Recovery: Representation of Indenture Trustee in default of over $70 million of municipal revenue bonds secured by more than 1700 multi-family apartments in the panhandle of Florida.
  • Economic Development: Represented an Alabama municipality in the acquisition of real property, financing and construction of a $26 million baseball stadium complex.
  • Real Estate: Represented seller of three high rise office buildings, handled all title, contract drafting and negotiation, as well as assignment of all leases and vendor contracts.
  • Third Party Processing Agreement: Represented a large regional bank in the drafting and negotiation of a large third party processing agreement addressing various regulatory issues.
  • Treasury Management Agreements: Represented a large regional bank in drafting third party processor addendum for use with 180,000 Treasury Management customers.
  • Loan Sales: Represented banks in drafting and negotiation of all transaction, assignment, and closing documents, including provisions addressing regulatory compliance in consumer and residential loans and mortgage servicing issues, in over 500 individual loan sales and multiple portfolio loan sales totaling over $4 billion in outstanding principal balance.
  • BSA/AML Compliance: Represented bank in the drafting and development of Bank Secrecy Act/Anti-Money Laundering (BSA/AML) compliance policies and procedures.
  • Marketing Material Review and UDAAP Compliance: Represents bank in review of various advertising, marketing, and new product materials for regulatory compliance.
  • Mergers and Acquisitions: Represented a bank holding company in acquisitions of various banks.
  • Internal Investigations and Regulatory Communication: Represented bank in internal fraud investigations and filing proof of loss documents.




      • Cumberland School of Law, J.D., 1983
      • The University of Alabama, B.S., Commerce and Business Administration, 1980
      • U.S. Supreme Court
      • U.S. Court of Appeals, Eleventh Circuit
      • U.S. District Court, Northern District of Alabama
      • U.S. District Court, Middle District of Alabama
      • U.S. District Court, Southern District of Alabama
      Bar Admissions
      • Alabama, 1983
      • Texas, 2008
      • Tennessee, 2009
      Professional Affiliations
      • American Bar Association: Business Law Section; Banking Law Committee, program chair; Consumer Financial Services Committee; Trust Indentures & Indenture Trustees Committee  
      • National Association of Bond Lawyers: Municipal Finance Committee, co-chair; Municipal Law Committee, vice chair; Corporate Trust Indenture Committee, chair
      • Alabama Bankers Association 
      • Alabama State Bar Association: Reciprocity Issues Task Force
      • Birmingham Bar Association: Leadership Task Force; Mentoring Task Force; Scholarship Committee, chair of Communications Committee
      • Law 360 Corporate Finance Editorial Advisory Board
      • Balch & Bingham: Partnership Committee, chair; Workplace Flexibility Committee, chair;  Compensation, Premises, Recruiting and Associates Committees, current member of the Executive Committee and firm’s Retention and Engagement Officer 
      Awards & Accolades
      • Chambers USA, Banking & Finance: Mainly Regulatory - Band 1
      • The Best Lawyers in America®, Banking and Finance Law
      • YWCA Women of Distinction 2014
      • Martindale-Hubbell, AV Peer Review Rating
      • Birmingham Business Journal, Top Business Women, 2008
      • Birmingham Magazine, Top Attorney, 2017
      • B-Metro Magazine, Top Lawyer, 2017 & 2018
      • B-Metro Magazine, Top Women Attorneys, 2017
      Community Involvement
      • Rotary Club of Birmingham: Pre-K Scholarship Committee, Program Committee
      • Newcomen Society
      • Momentum Leadership Program
      • Leadership Birmingham
      • Leadership Montgomery
      • Junior League of Birmingham
      • The Women’s Fund: board member, co-chair of Development Committee
      • The University of Alabama Honors College, Board of Visitors
      • Oasis Counseling, Board Member
      • Downtown Rotary Club